Example 1: The annual LTD premium for a minister with a combined salary and housing allowance of $57,000 will be $570. Divide the annual cost by 12 to obtain the monthly premium—in this example, $47.50/month.

Example 2: The premium for a staff member with earnings of $28,000 will be $280 per year, divided by 12 equals $23.33 per month.